Desarrollo de un modelo de score de originación de crédito para personas naturales del segmento de microcrédito para el banco banecuador b.p.

Abstract

The objective of this research is to develop a socio-demographic credit score model for a Public Micro financial Institution in Ecuador whose focus is natural persons and not small and medium enterprises. The results of this research develop a methodology and the steps needed to design the statistical model, and the assessment and validation process that can be applied in the Ecuadorian geography to establish financial inclusion policies with customers with no credit history. Finally, this work also explains the performance of the model over future periods and how it can be used to develop credit risk management approaches for credit exceptions and limits of risk appetite.